People First Bank home loans
4 home loans with 18 options: variable or fixed from 1 to 5 years, for owner-occupiers or investors, paying principal and interest or interest only, with rates by deposit size. Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rate.
- Basic Variable Home LoanOffset account · redraw · no ongoing fee6.35%
- Basic Variable LoanOffset account · redraw · no ongoing fee–
- Fixed Home LoanRedraw · no ongoing fee–
- Fixed LoanRedraw · no ongoing fee–
The lowest rate for each choice: the comparison rate where the lender publishes one, else the advertised rate. Every variant is on the loan's own page.
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
October 20267 changes
- 13Tue
- Basic Variable Investment Loan3 variants up 0.24 to 0.2513 days after the RBA rise to 4.60%+0.24 to +0.25All Variable · P&I · Investor
≤70% LVR 6.15 6.40 +0.25 70–80% LVR 6.25 6.49 +0.24 80–90% LVR 6.64 6.89 +0.25 - Fixed Home Loan10 variants up 0.14 to 0.2213 days after the RBA rise to 4.60%+0.14 to +0.22All P&I · Owner-occupier
1yr Fixed · ≤80% LVR 6.14 6.36 +0.22 5yr Fixed · ≤80% LVR 6.29 6.43 +0.14 4yr Fixed · ≤80% LVR 6.26 6.42 +0.16 3yr Fixed · ≤80% LVR 6.22 6.40 +0.18 2yr Fixed · ≤80% LVR 6.18 6.38 +0.20 1yr Fixed · 80–95% LVR 6.18 6.40 +0.22 2yr Fixed · 80–95% LVR 6.26 6.46 +0.20 3yr Fixed · 80–95% LVR 6.34 6.52 +0.18 4yr Fixed · 80–95% LVR 6.41 6.57 +0.16 5yr Fixed · 80–95% LVR 6.47 6.61 +0.14 - +0.14 to +0.23
- Fixed Investment Loan10 variants up 0.14 to 0.2313 days after the RBA rise to 4.60%+0.14 to +0.23All P&I · Investor
1yr Fixed · ≤80% LVR 6.29 6.52 +0.23 2yr Fixed · ≤80% LVR 6.34 6.54 +0.20 4yr Fixed · ≤80% LVR 6.43 6.59 +0.16 5yr Fixed · ≤80% LVR 6.47 6.61 +0.14 3yr Fixed · ≤80% LVR 6.39 6.57 +0.18 1yr Fixed · 80–90% LVR 6.33 6.56 +0.23 4yr Fixed · 80–90% LVR 6.58 6.74 +0.16 5yr Fixed · 80–90% LVR 6.64 6.78 +0.14 2yr Fixed · 80–90% LVR 6.42 6.63 +0.21 3yr Fixed · 80–90% LVR 6.50 6.68 +0.18 - Basic Variable Investment Loan - Interest Only2 variants up 0.2513 days after the RBA rise to 4.60%+0.25All Variable · Interest Only · Investor
≤70% LVR 6.27 6.52 +0.25 70–80% LVR 6.37 6.62 +0.25 - Basic Variable Home Loan3 variants up 0.2513 days after the RBA rise to 4.60%+0.25All Variable · P&I · Owner-occupier
≤70% LVR 6.00 6.25 +0.25 70–80% LVR 6.10 6.35 +0.25 80–95% LVR 6.49 6.74 +0.25
- 8Thu
- +0.03
September 20261 change
- 23Wed
- Fixed Home Loan5 variants up 0.02 to 0.07+0.02 to +0.07
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare home loans · Home loan report
Notes on People First Bank home loans
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As of 1 November 2026, People First Bank has four home loan products in 33 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.35% (Basic Variable Home Loan), ranking 23rd of 93 variable owner-occupier P&I loans and sitting 0.23 points below the market average of 6.58%. Its rates last moved on 13 October 2026, 13 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.